Don’t think that dental implant you need is covered by your dental plan? It’s time to think again. Unlike the past, many dental insurance plans are now covering implants for medically necessary dental implant procedures.
Dental implants can be a costly prosthetic procedure when it comes to your dental care. They’re also high-demand, and very popular among patients (in order to avoid other procedure like dentures, bridges, etc). If you’re paying cash for one, they can run upwards of $2,000 per tooth, and that’s on the low end.
We’re seeing more-and-more dental plans that are now covering dental implants. This includes policies in the individual and family marketplace (ie: non-employer coverage that you can purchase on your own, anytime). And, we anticipate the trend with this new benefit to continue.
Not every dental insurance plan covers implants, but more-and-more are. So, if you’re looking for coverage that will take care of your implant, make sure to take a good look at the options that are available.
Chances are, you can find a dental PPO that will cover up to 50% of the negotiated cost of your implant, and there are even some dental policies that have a flat co-payment for one. For example, Blue Shield of California has a dental PPO that covers implants at a fixed co-payment of $613 per tooth (click here to contact us about it, and we’ll send you personalized information).
Keep in mind that there are some limitations in most policies, and you’ll also want to plan ahead. For example, many dental plans have an “annual benefit maximum” of about $1000-$2000 per year. So depending on the cost of your implant, it may only cover approximately one, or maybe two implants per year (which is still better than none). That said, you’d still also have access to your cleanings, x-rays, and other preventive care in your policy. Additionally, there is usually a waiting period for major prosthetics (implants), which in most cases is 12 months. So, you’ll want to have your plan in place for 12 months, before your benefits will kick-in. All things considered, if you do things right, you can find yourself with some pretty good dental coverage for implants these days, instead of paying for all of it out of pocket.
Many individual dental PPO’s start at around $37/month. Contact us today, to have one of our agents put together a personalized information ePacket for you, send it right to your email, and help you get your dental implant covered. We can run quotes for you, and send you a simple online application, from the convenience of your own home. Chat with us right here online on the bottom right, or: info@PolicyAdvantage.com, phone: 1(800) 617-0089.
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